Signature Loans

A signature loan does not require collateral. As you might expect, the interest on signature loans is slightly higher than other loans, such as a car loan for example. However, at Encentus, our signature loan rates are very reasonable and certainly lower than you will find at any bank!

Personal Line of Credit

A Line of Credit is a pre-approved loan amount (called a credit line) that you can use, pay down, and use again. You can access your Personal Line of Credit by writing a check, using your debit card, or by transferring funds via Virtual Branch or our mobile app.

Credit Lines up to $20,000/member (or $40,000 for a joint application)

Rates starting at 8.50% APR

Personal Loan

Unlike a line of credit you can pay down and access again and again, a Personal Loan is a one-time advance. People typically request Personal Loans for unforeseen expenses or to consolidate credit cards.

Credit Lines up to $20,000/member (or $40,000 for a joint application)

Rates starting at 7.75% APR

Credit Cards

You may not think of a credit card as a signature loan, but that’s exactly what it is: a signature line of credit you access from just about anywhere with your Encentus Mastercard®.